Paying down your debt and improving your credit score

Even though the new year has kicked in full force, you still have the perfect opportunity to make a resolution to resolve some of your toughest financial issues - mainly your credit score. If it's been quite some time since you concentrated on paying down your credit card debt, there's no reason why you can't start working on it today.

But what if you don't know where to begin? Do you know that you've done substantial damage to your credit score but you're afraid to know the details?

There are a couple of ways you can start recovering your finances slowly. First, get in touch with a national credit bureau to receive a free copy of your credit score. This can give you a starting point and show where you need to improve.

Next, MyFico.com recommends setting up payment reminders to ensure that you're paying your bills on time. This can help you avoid doing further damage to your credit score.

Finally, talk to a psychic to receive the motivation you need to continue improving your finances. A phone psychic reading can let you know if your efforts will pay off in the coming months.